Unlike in a savings bank account or FD, you don’t get interest in mutual funds. So how does your money grow?
Updated on 10 Jun, 2021
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In this article
Unlike in a savings bank account or FD, you don’t get interest in mutual funds. So how does your money grow?
Money in mutual funds grows in a manner similar to gold or property. You buy a unit (10 gms of gold, or 1 apartment) for a specific price. After a few years, the price increases (or decreases) and you sell it for a different price. The difference between sale price and purchase price is your return.
Similarly, whenever you invest in an equity mutual fund, you buy “units” from the mutual fund company at that day’s price. For example, if you invest Rs. 10,000 into a fund and that day’s price is Rs. 20, you will get 500 units (Rs. 10,000 / Rs. 20 per unit). When you sell, if that day’s price is Rs. 30, you would get Rs. 15,000 (500 units x Rs. 30 per unit). The Rs. 5,000 difference is your gain.
The price of a mutual fund is called Net Asset Value (NAV).
What makes mutual funds very useful is that you can buy really small quantities. This is why you might actually see yourself holding 13.1741 units.
Just like gold or property, mutual fund price does not go up in a predictable manner and you have to hold them for a while to realize the gain.
But what makes the price go up? Who determines the price (NAV)?
We’ll cover these 2 questions in the following articles.
Frequently Asked Question
Can you lose your money in a mutual fund?
Mutual funds are not considered a high-risk investment. The performance of mutual funds is subject to fluctuations in the market. Hence, they are subject to market risk and bear a possibility of loss as well. You can lose your money in mutual fund investment whether partially or in full. Interest and dividends are also dynamic according to market conditions.
How long should I keep money in a mutual fund?
The answer is in the goal of the investor. When to exit from an investment depends on the goal with which the investor invested the funds. If the goal is just to save for the short-term then he can exit as and when he has a need of funds. If the goal is long-term then it is advisable to stay invested for at least 7 years. This is known as goal-based investing.
Can I withdraw mutual fund anytime?
It depends on the type of mutual fund. A tax-saving mutual fund has a lock-in period of 3 years and you cannot withdraw before 3 years. While you can withdraw other mutual funds. However, before withdrawing you must consider the exit load due to early redemption and short-term capital gain tax. Also, you must consider the fact whether the goal is met or not.
How do you cash out mutual funds?
“It is very simple and convenient to cash out mutual funds. You can place the request with the same channel you invested in the funds.
By submitting a redemption request to the AMC
Initiating the redemption from your demat account
Redeem Mutual Fund Through Online Mutual Fund Investment Portal
Redeem Mutual Fund Through Registrar and Transfer Agency”
What happens if I withdraw my mutual funds?
Once you withdraw your mutual funds you will have to pay an exit load and the income tax. The income tax depends on the type of fund and the duration of holding the funds. If you withdraw equity mutual funds before 12 months then STCG will be applicable at 15% + cess + surcharge. Or else LTCG at 10% + cess + surcharge. If you withdraw debt mutual funds before 36 months then LTCG will be applicable at the rate of 20% + cess + surcharge. The STCG is taxable at the slab rate applicable to the investor.
Posted on 7 Dec, 2017
Last updated June 10, 2021
ArjunRamnath
Arjun is a seasoned product manager who consistently shipped features across various software problem domains: banking, payments, personal finance, social networking and retail; with some exposure to sales, data science and consulting.
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Is this the right time to switch from equity to fixed income?
With global equity markets under pressure due to the war in Ukraine, investors like you may be wondering if now’s the time to switch to fixed income. Here are three things to keep in mind before you do that.
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An ideal debt-equity allocation, that’s right for all?
Is there a one size fits all approach to deb-equity allocation for your portfolio? We think otherwise and here’s why.
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What you should know before investing in ETFs
ETFs have become quite popular in India recently thanks to how they allow exposure to specific indices and themes. But should you also go for them? Here’s what you should know first.
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Should investors wait for a market crash before investing?
Considering many believe that markets are expensive now, let’s understand if it makes sense to wait for a market crash before investing.
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What every investor should know about risk?
What you as an investor should know about risk and how it plays a role in your wealth creation efforts.
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Are you a DIY investor? Do you have these skills?
Being a DIY investor seems attractive on paper but can it be actually effective in helping you reach your financial goals?
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Why does it still make sense to invest in debt funds?
The obvious tax benefits associated with debt funds may have been removed, but they still make a lot of sense. Here’s why.
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Is it OK to invest in equity now, considering the market environment?
Equity markets have been flip flopping without any real growth recently (Jan-Feb2023). Are we going to see a bear market? Is equity too risky now? Let’s dive in.
![How Does My Money Actually Grow in Mutual Funds? (83) How Does My Money Actually Grow in Mutual Funds? (83)](https://i0.wp.com/cdn-scripbox-wordpress.scripbox.com/wp-content/uploads/2021/04/concept-economy-with-piggy-bank-money.jpg)
With rates rising, are bank FDs back in vogue for your financial goals?
Interest rates are rising. Does that mean FDs are now more attractive for investors? Let’s do a little digging to find the reality.
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An investor’s guide to investing in Target Maturity Funds – The debt fund that’s an index fund!
Understand what Target Maturity Funds are, how they work, and what role can they play in your investment portfolio.
![How Does My Money Actually Grow in Mutual Funds? (85) How Does My Money Actually Grow in Mutual Funds? (85)](https://i0.wp.com/cdn-scripbox-wordpress.scripbox.com/wp-content/uploads/2022/01/q3-it-results_ntm_tny.jpeg)
Why should large cap equity funds form part of your core portfolio?
Learn why large cap funds should form a key part of your core portfolio. This is essential for a certain degree of stability in your wealth.
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Is it necessary to realign your asset allocation due to the current market conditions, or should you wait?
Should you re-align your asset allocation in this turbulent market? We try and answer this question by understanding asset allocation.
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The good news outweighed the bad news, as far as the markets are concerned, in November
Despite European countries announcing a slew of COVID-19 related lockdowns and restrictions, the markets had reasons to smile with multiple players reporting successful COVID vaccine trial rates, and Joe Biden’s election.
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Markets continue recovery while government focuses on strengthening growth
Much of the recovery in equity markets over the past couple of months is due to the tax cuts for corporates, announced by the Finance Minister, and a series of other administrative measures announced. One can expect more such measures to trigger the economic recovery.
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New Sebi norms: What’s in store for liquid fund investors?
Market watchdog Sebi recently came out with new guidelines for liquid funds. The newly introduced norms could potentially change the portfolio orientation of liquid funds.
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Why does conviction matter when investing?
When markets tend to go through their occasional drops, the people who come out on top are often those who kept on investing as if nothing has happened. They had the wisdom to realize that they can’t predict when markets will go up nor when they will go down.
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Why Indian economy should see a consumption boom in the coming years.
The per capita income itself is growing at about 10% annually. On the other hand, ‘basic needs’ like food has already been met for most of the population and will not grow at the same pace. Most likely, basic needs will grow in line with inflation or less.
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2 Reasons Why Bank Fixed Deposits Alone Won’t Make You Rich
There is no doubt that bank fixed deposits (FDs) are considered safe in that you will most likely get your money back. But did you know that bank FDs can negatively affect your savings over the long term?
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Have people made money in mutual funds over time? – here is our 24 year analysis
We have seen several folks doubt whether mutual funds have delivered returns over time. When in doubt, trust in data. So, here goes our analysis.
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My 3 Struggles In Reaching EPF Awesomeness
In order to setup my PF account to enable electronic withdrawals, I recently tried to seed my Aadhar number in the EPF UAN portal and went through some struggles that many of you are likely to go through, or are already going through.
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Your Secret Stash Of Rs 1 Crore Or More
Did you know you’re building a secret saving of over Rs. 1 Cr in something called the Employee Provident Fund (EPF)!?
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Tell Me News Like A Friend (5 December – 11 December)
Looks like the long winded and painful process of withdrawing from your EPF Account is all set to become a lot more simpler.
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Why Debt Mutual Funds Are An Excellent Alternative to Fixed Deposits?
If you are in this position, there are two convenient options for you: Bank Fixed Deposits and Debt Funds. In this article, we compare them on different criteria and evaluate which is better for you.
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How the Finance Bill 2023 impacts you: 7 things to know
A lowdown on the changes in debt fund taxation that come into effect from 1 April 2023.
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Citius, Altius, Fortius – Union Budget Highlights 2022
Scripbox views and perspectives on the Union Budget 2022 and what it means for the growth of the Indian economy.
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Why are Indian markets rising so much in 2022 and is it justified?
As the Sensex approaches 60,000 and Nifty nears 18,000 we explore whether it’s all speculation or are there real underlying causes that support this meteoric rise?
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US Fed may hike rates. Will it impact Indian Equity?
In the short term, there may be a negative impact as FPIs invest less in emerging markets, including Indian equity, thanks to a potential rate hike in the US. Indian domestic consumption and economic revival will be mitigating factors.
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The Nifty is at another record high! How should you invest?
With the Nifty scaling a new high at 15,800 level, should you stop for now or change the way you invest? Here’s why we think that may not work. It is said that looking at the absolute level of an index is hardly an accurate indicator of whether the market is expensive and potentially close to a peak.
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Second wave of Covid in India – What should you do with your equity holdings?
One of the key questions is whether equity investors should convert their equity holdings to cash given the likely economic impact of the second wave and even a third wave as is being predicted by some.
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Axis Mutual Fund changes fund managers of 7 funds amidst allegations
Axis mutual fund has removed two of its fund managers from 7 schemes amidst front-running allegations. SEBI has initiated a probe, and this is a developing situation. The immediate impact on investors in the affected funds can’t be ascertained until the fund house, or SEBI provides further information. None of the funds are part of the Scripbox recommendation.
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Indian IT giants go one up on Dalal Street
The IT majors came out roaring with excellent Q3FY22 financial results. Considering their exposure to mutual fund portfolios across the board, this solid performance is good news for your investments and wealth. IT is also a significant employer in the country and this performance indirectly bodes well for the overall economy.
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Optimism prevails amongst Indian biz leaders
According to a survey by ET, business leaders of India Inc are bullish about a pick-up in private investment. This combined with a PMI of 55.5 in December reflects well on the prospects of India Inc. For the prospects of your wealth, this is good news indeed.
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Key changes take place in RBL Bank leadership, RBI steps in
While the developments at the helm of RBL bank have hit the bank’s stock price, investors can take heart from RBI’s statements and the management’s communication on the situation. We are watching the developments closely. We also believe individual fund managers are well placed to protect investor interests and take appropriate actions in their respective portfolios.
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HSBC Mutual Fund acquires L&T Finance’s MF arm for Rs 3,200 Cr
The acquisition serves both HSBC AMC’s growth plans and L&T Finance’s strategic aim to strengthen its balance sheet. For investors in L&T AMC’s funds, though, little is likely to change at this stage. Fund managers and leadership remain the same. We will keep an eye on this and inform you if something fundamental changes.
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Shriram consolidates group companies to create India’s largest NBFC
Shriram group’s consolidation exercise will create India’s largest NBFC, Shriram Finance Ltd. While the market has reacted negatively to this, for now, the long term impact on investor wealth is unclear. It’s definitely something we will keep our eye on and see how it all pans out.
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How do you know if you can afford to buy a home? Here are 8 rules to know.
Are you thinking of buying instead of paying high rent? Read this to find out what can help you decide if you can afford to buy a home.
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Having a health emergency fund is as necessary as having health insurance. Here is why.
Here’s why it’s a good idea to have a separate health emergency fund in addition to your health insurance policy.
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Should high education inflation make you relook at your child’s higher education goal?
Here’s what you should do if you are worried about high education inflation impacting your child’s higher education goals.
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Why should you buy insurance to manage risk and nothing else?
Here are some key reasons you should be aware of, and will help you understand why insurance is meant for risk management only.
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Term policy lapse – Should you revive it or seek a new one?
What’s more financially prudent? What are the challenges involved in reviving a policy and when is it a viable option? Let’s find out.
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Should you own multiple life insurance policies?
Is buying insurance supposed to be a one-time affair? Does it ever make sense to own multiple life insurance policies? Let’s find out.
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What’s new in the all new Scripbox?
Your needs have evolved.
And so have we.
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2022-23 Report Card: Performance of Scripbox Recommended Mutual Fund Portfolio
Here’s how the Scripbox recommended set of funds performed last year.
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Lower risk, predictable returns, lesser taxes. Presenting TMFs.
Learn about Target Maturity Funds & how they are a potentially powerful answer to your fixed income needs.
![How Does My Money Actually Grow in Mutual Funds? (119) How Does My Money Actually Grow in Mutual Funds? (119)](https://i0.wp.com/cdn-scripbox-wordpress.scripbox.com/wp-content/uploads/2023/01/Artboard-56.png)
Staggered Investments: How we help you invest amounts beyond your bank mandate limit.
Here’s how we help you invest beyond your bank mandate limit. We also explain when this happens.
![How Does My Money Actually Grow in Mutual Funds? (120) How Does My Money Actually Grow in Mutual Funds? (120)](https://i0.wp.com/cdn-scripbox-wordpress.scripbox.com/wp-content/uploads/2022/11/should-you-invest-invest-focused-fund.jpeg)
How does Scripbox evaluate investment alternatives? How does this help investors?
Learn what all goes into selecting an investment alternative here at Scripbox.
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How we construct portfolios here at Scripbox
Learn about the ideas that influence portfolio construction here at Scripbox.
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How does Scripbox evaluate investment alternatives? How does this help investors?
Learn what all goes into selecting an investment alternative here at Scripbox.
![How Does My Money Actually Grow in Mutual Funds? (123) How Does My Money Actually Grow in Mutual Funds? (123)](https://i0.wp.com/cdn-scripbox-wordpress.scripbox.com/wp-content/uploads/2021/08/core-and-satellite-portfolio-strategy_ty.jpeg)
How we construct portfolios here at Scripbox
Learn about the ideas that influence portfolio construction here at Scripbox.
![How Does My Money Actually Grow in Mutual Funds? (124) How Does My Money Actually Grow in Mutual Funds? (124)](https://i0.wp.com/cdn-scripbox-wordpress.scripbox.com/wp-content/uploads/2021/05/financial-advisors.jpg)
What is Scripbox’s role as an advisor?
Learn how we view ourselves as advisors and what are our responsibilities towards our clients.
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What is the recommended frequency for portfolio review according to Scripbox?
Why Scripbox recommends a portfolio review and, if needed, changing funds occasionally.
![How Does My Money Actually Grow in Mutual Funds? (126) How Does My Money Actually Grow in Mutual Funds? (126)](https://i0.wp.com/cdn-scripbox-wordpress.scripbox.com/wp-content/uploads/2023/01/Artboard-56.png)
Scripbox’s Approach to Risk and it’s Management
How does Scripbox approach risk in investing? Let’s find out.
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Why do we at Scripbox recommend a long-term perspective in investing.
Learn the analysis that’s behind our focus on long term growth in wealth creation.
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How do wealth managers help you with taxation?
A wealth manager can bring a lot to the table when it comes to helping you with tax planning.
![How Does My Money Actually Grow in Mutual Funds? (129) How Does My Money Actually Grow in Mutual Funds? (129)](https://i0.wp.com/cdn-scripbox-wordpress.scripbox.com/wp-content/uploads/2021/02/esop-tax.jpg)
Getting an ESOP? Know the tax implications
While this type of compensation structure gives employees a share in the company’s future growth prospects, one has to carefully analyze its tax implications.
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Taxes On Mutual Funds Withdrawal?
It depends on how long you stayed invested and whether you have invested in equity mutual funds, debt mutual funds or hybrid funds.
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Got Gifts? Know how the Taxman calculates your tax liability
Sometimes a gift can create a tax incidence. Know about gifts and taxes in this article.
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All you need to know about TDS and tax refunds as an NRI
Here is a low-down on TDS under various income heads for an NRI and methods to reduce it or seek refunds.
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What mistakes do people make when filing their IT returns?
Many of those who have to file their returns for the first time or those doing it at the last moment can end up making some critical mistakes. Here are the most common ones and how to avoid them.
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How do wealth managers help you with taxation?
A wealth manager can bring a lot to the table when it comes to helping you with tax planning.
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Three things you need to know about ELSS funds
There are other investment avenues which can help you save a similar amount of tax, however, when you look at performance, none of the others has delivered similar inflation plus returns in the long run.
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Why you should think about creating wealth when saving tax
Whether you invest in a tax-saving fixed deposit or an equity-linked savings scheme, your maximum allowable tax deduction through these investments remains the same at a maximum of Rs 1,50,000 under section 80 C of the IT Act. Then why not pick the investment which will help you maximise long term wealth too?
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What you should know while buying bonds to save capital gain taxes
There are a couple of ways to save taxes on capital gains. One of them is by investing in specified tax-saving bonds under Sec 54EC of the Income Tax Act.
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In the 30% tax bracket? Here are three investment allocation nuances you should know.
Paying taxes is a civic duty you can’t escape, but it helps to know how you can take advantage of the most efficient taxation when it comes to your investment growth.
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Five things about taxes you might be getting wrong
Long-term financial planning and tax planning go hand-in-hand. Which is why, instead of just relegating tax planning to the last quarter or the last few weeks of the financial year, make it a part of your short-term and long-term financial goals.
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Scripbox Smart Transfer Plan – The smart way to invest during market volatility
Scripbox Smart Transfer Plan – The smart way to invest during market volatility https://www.youtube.com/watch?v=-h5P5SUibcM
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3 things to do now For financial well-being post-retirement
3 things to do now For financial well-being post-retirement https://www.youtube.com/watch?v=eVGVBXZnbhI
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What should you be invested in your 40s?
Your 40s come with myriad financial nuances and goals. Here’s how to invest to marry them right.
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Second wave of Covid in India – What should you do with your equity holdings?
One of the key questions is whether equity investors should convert their equity holdings to cash given the likely economic impact of the second wave and even a third wave as is being predicted by some.
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Six signs that you are ready to retire early
Here are six signs that tell you that you may be ready to hang up your boots if you wanted.
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One goal? You may still need more than one type of fund
The tenets of asset allocation often mean that while your goal may be one, you may require multiple financial instruments to achieve it.
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Have Voluntary Provident Funds lost their sheen after Budget 2021?
Should you look beyond VPF while creating an investment portfolio?
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Should you use your intuition as an investor?
Unknowingly, we also use intuition in our day-to-day life – say to select our family doctors or partner. Can we use our hunch to also guide our investment decisions?
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What every woman should know while changing maiden names or holding status of mutual funds
Mutual Fund investor and planning to change your maiden name post marriage? Learn what you must do.